Today’s top story: How to find free help for your credit problems. Also in the news: The “Ostrich Effect,” the financial benefits of short-term thinking, and how to Voice Mail Hell.

6 Places to Get Free Help With Your Credit Problem
You don’t have to go it alone.

Beware the “Ostrich Effect” When It Comes to Your Financial Health
No burying your head in the sand.

Want To Meet Your Financial Goals Faster? Why You Should Start Thinking In Days — Not Years
Short-term thinking can get you there quicker.

Time Is Money — and This Website Can Save You Some
How to escape Voice Mail Hell.